{"id":12648,"date":"2025-04-01T08:44:49","date_gmt":"2025-04-01T13:44:49","guid":{"rendered":"https:\/\/www.rate.com\/insurance\/?p=12648"},"modified":"2025-08-15T10:59:50","modified_gmt":"2025-08-15T15:59:50","slug":"workers-compensation-for-landscapers-why-its-crucial","status":"publish","type":"post","link":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/","title":{"rendered":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial"},"content":{"rendered":"\n<p>Landscaping involves a lot of hard, outdoor work\u2014digging, lifting plants, and often, using heavy equipment.<\/p>\n\n\n\n<p>Jobs that have high physical demands frequently see workers getting injured. Some injuries are minor, while others can be extremely serious. And, injuries can become complex when an injury that seemed minor actually turns out to be quite serious.<\/p>\n\n\n\n<p>Landscaping is frequently seasonal work, and there are a lot of small businesses that offer a range of services\u2014from lawn work to those that design and install hardscaping, such as retaining walls and paver patios.<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Safeguard your business<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/insurance.rate.com\/commercial-insurance?utm_source=blog&#038;utm_medium=website&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\" >Get Your Free Quote<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">What is worker\u2019s compensation insurance?<\/h2>\n\n\n\n<p>Worker\u2019s compensation insurance is a form of insurance for businesses that covers the costs of things like medical expenses and loss of income to workers who are injured in the course of their employment. Worker\u2019s compensation insurance is governed at the state level, and employers are required to carry this insurance in most states.<\/p>\n\n\n\n<p>Even in states that do not mandate coverage, it is highly advisable to carry worker\u2019s compensation insurance.<\/p>\n\n\n\n<p>The type of business will have an impact on a company\u2019s worker\u2019s compensation rates. While just about anyone can be injured on the job, the type of injury, the severity, and the potential for accidents are all considered by an insurer when calculating rates.<\/p>\n\n\n\n<p>Construction companies have some of the highest worker\u2019s compensation premium costs. Working with heavy equipment, installing roofing, and using tools like circular saws all carry the risk of serious and permanent injuries or even death. Businesses that are primarily office and administrative jobs have a much lower risk of injuries. The types of injuries that are more common in these jobs, such as repetitive-motion injuries like carpal tunnel, are typically treatable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why do landscapers need worker\u2019s compensation?<\/h2>\n\n\n\n<p>Landscapers need to carry worker\u2019s compensation insurance for their employees because the risk of being injured on the job is considerable.<\/p>\n\n\n\n<p>With outdoor work using equipment, there are many potential injury risks, and some may be severe:<br><br>\u2022 Cuts from pruning tools, shears, axes<br>\u2022 Laceration\/amputation risks from mowing equipment<br>\u2022 Burns and exposure risks from pesticides or fertilizers<br>\u2022 Lifting\/muscular injuries<br>\u2022 Heatstroke and other temperature-related injuries<br>\u2022 Insect stings, snake bites<br>\u2022 Broken bones, crushing injuries, falls<br><br>Back injuries and hernias are common landscaping injuries and can be extremely painful requiring recuperation time or surgery.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does worker\u2019s compensation for landscapers cover?<\/h2>\n\n\n\n<p>As noted above, worker\u2019s compensation is determined by states, so coverage can vary.<\/p>\n\n\n\n<p>Generally speaking, if an employee is injured on the job, worker\u2019s compensation insurance covers the medical costs associated with the injury and recovery, including physical rehabilitation expenses.<br>Worker\u2019s compensation insurance may also cover some of an employee\u2019s lost wages while recuperating from a work injury.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does worker\u2019s compensation insurance for a landscaping business cost?<\/h2>\n\n\n\n<p>As with other types of insurance, the cost of worker\u2019s compensation insurance for a landscaping business can vary depending on many factors, such as the scope of offerings, the size of the business, and the number of employees doing landscaping work versus performing office or administrative functions, the location, and more.<\/p>\n\n\n\n<p>The type of landscaping services a company offers will affect the cost of worker\u2019s compensation coverage. Some landscaping companies offer limited services, such as mowing, weeding, and edging work. Other companies offer more, including planting trees and installing hardscape features, like paver paths\u2014and this work with heavier elements carries a higher risk of injury.<\/p>\n\n\n\n<p>And, in more northern areas of the US, landscaping is seasonal work, and some companies adjust for this by offering winter maintenance services, such as plowing and snow shoveling.<\/p>\n\n\n\n<p>An insurance agent will ask what services are provided by a landscaping business, and based on this will assign a class code. A landscaping business might also have a separate class code for administrative staff, who work in the office.<\/p>\n\n\n\n<p>These classifications help to assess the kinds of risks different types of employees face\u2014which helps the insurer to calculate the right worker\u2019s compensation rates for the business.<\/p>\n\n\n\n<p>In addition to these broad classifications, a landscaper may also offer services like tree trimming or stump removal that could have their own classification codes. So, it\u2019s important to share all of the services your landscaping company offers in order to get an accurate quote for worker\u2019s compensation coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What if my landscaping company uses subcontractors?<\/h2>\n\n\n\n<p>The use of independent contractors\u2014sometimes called 1099 workers after the tax form used to report wages paid to non-employees\u2014can help a landscaping business meet staffing needs during periods of high demand.<\/p>\n\n\n\n<p>If your landscaping business uses subcontractors, it\u2019s a good idea to require them to carry their own worker\u2019s compensation insurance. If a subcontractor is injured on the job while working for your company and does not have coverage, you could get caught in a legal mess while involved insurers work to determine who is responsible for paying medical bills.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What isn\u2019t covered by worker\u2019s compensation insurance for landscapers?<\/h2>\n\n\n\n<p>Worker\u2019s compensation insurance is for workers who experience workplace injuries, so it does not cover accidents or injuries that happen off-premises while not on the job.<\/p>\n\n\n\n<p>It also will typically exclude injuries that happen on the job if the injury was caused by a violation of company policy, such as being impaired by drugs or alcohol while using landscaping equipment.<\/p>\n\n\n\n<p>If you have questions about what type of worker\u2019s compensation insurance your landscaping company should carry and how much it might cost, contact the experts at Rate Insurance. With access to a wide range of commercial insurers, Rate Insurance can find quotes and help to find the right worker\u2019s compensation insurance coverage for your landscaping business.<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Get your free consultation<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/insurance.rate.com\/commercial-insurance?utm_source=blog&#038;utm_medium=website&#038;utm_campaign=blog&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\" >Let&#8217;s Chat<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<p><em>Disclaimer<\/em>:<\/p>\n\n\n\n<p><em>All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate Insurance does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate Insurance. Rate Insurance, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Landscaping involves a lot of hard, outdoor work\u2014digging, lifting plants, and often, using heavy equipment.<\/p>\n<p>Jobs that have high physical demands frequently see workers getting injured. Some injuries are minor, while others can be extremely serious. And, injuries can become complex when an injury that seemed minor actually turns out to be quite serious.<\/p>\n","protected":false},"author":20,"featured_media":12649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[51,200],"class_list":["post-12648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-business-insurance","tag-workers-compensation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com\" \/>\n<meta property=\"og:description\" content=\"Landscaping involves a lot of hard, outdoor work\u2014digging, lifting plants, and often, using heavy equipment. Jobs that have high physical demands frequently see workers getting injured. Some injuries are minor, while others can be extremely serious. And, injuries can become complex when an injury that seemed minor actually turns out to be quite serious.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/\" \/>\n<meta property=\"og:site_name\" content=\"Rate.com\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-01T13:44:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-15T15:59:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1027\" \/>\n\t<meta property=\"og:image:height\" content=\"441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jennifer Phillips\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jennifer Phillips\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\",\"name\":\"Guaranteed Rate Insurance\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Guaranteed Rate Insurance\"},\"image\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#website\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"name\":\"Rate.com\",\"description\":\"Find car, home, business or life insurance\",\"publisher\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rate.com\/insurance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage\",\"url\":\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png\",\"contentUrl\":\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png\",\"width\":1027,\"height\":441},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage\",\"url\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/\",\"name\":\"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage\"},\"datePublished\":\"2025-04-01T13:44:49+00:00\",\"dateModified\":\"2025-08-15T15:59:50+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage\"},\"author\":{\"name\":\"Jennifer Phillips\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/person\/3c93d517b3dc6f46a24aaad73d1c5b66\"},\"headline\":\"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial\",\"datePublished\":\"2025-04-01T13:44:49+00:00\",\"dateModified\":\"2025-08-15T15:59:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage\"},\"wordCount\":1127,\"publisher\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png\",\"keywords\":[\"business insurance\",\"worker's compensation\"],\"articleSection\":[\"Business\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/person\/3c93d517b3dc6f46a24aaad73d1c5b66\",\"name\":\"Jennifer Phillips\",\"description\":\"Jen is a freelance writer who writes about insurance topics including home, auto, and life insurance and insurance carriers. She provides insights about insurance to help customers make informed decisions about their insurance.\",\"url\":\"https:\/\/www.rate.com\/insurance\/resources\/author\/jennifer-phillips\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/","og_locale":"en_US","og_type":"article","og_title":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com","og_description":"Landscaping involves a lot of hard, outdoor work\u2014digging, lifting plants, and often, using heavy equipment. Jobs that have high physical demands frequently see workers getting injured. Some injuries are minor, while others can be extremely serious. And, injuries can become complex when an injury that seemed minor actually turns out to be quite serious.","og_url":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/","og_site_name":"Rate.com","article_published_time":"2025-04-01T13:44:49+00:00","article_modified_time":"2025-08-15T15:59:50+00:00","og_image":[{"width":1027,"height":441,"url":"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png","type":"image\/png"}],"author":"Jennifer Phillips","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jennifer Phillips","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/www.rate.com\/insurance\/#organization","name":"Guaranteed Rate Insurance","url":"https:\/\/www.rate.com\/insurance\/","sameAs":[],"logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/","url":"","contentUrl":"","caption":"Guaranteed Rate Insurance"},"image":{"@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/"}},{"@type":"WebSite","@id":"https:\/\/www.rate.com\/insurance\/#website","url":"https:\/\/www.rate.com\/insurance\/","name":"Rate.com","description":"Find car, home, business or life insurance","publisher":{"@id":"https:\/\/www.rate.com\/insurance\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rate.com\/insurance\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage","url":"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png","contentUrl":"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png","width":1027,"height":441},{"@type":"WebPage","@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage","url":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/","name":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial | Rate.com","isPartOf":{"@id":"https:\/\/www.rate.com\/insurance\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage"},"datePublished":"2025-04-01T13:44:49+00:00","dateModified":"2025-08-15T15:59:50+00:00","breadcrumb":{"@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial"}]},{"@type":"Article","@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#article","isPartOf":{"@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage"},"author":{"name":"Jennifer Phillips","@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/person\/3c93d517b3dc6f46a24aaad73d1c5b66"},"headline":"Worker\u2019s Compensation for Landscapers: Why it\u2019s Crucial","datePublished":"2025-04-01T13:44:49+00:00","dateModified":"2025-08-15T15:59:50+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#webpage"},"wordCount":1127,"publisher":{"@id":"https:\/\/www.rate.com\/insurance\/#organization"},"image":{"@id":"https:\/\/www.rate.com\/insurance\/resources\/workers-compensation-for-landscapers-why-its-crucial\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/04\/2025-Blog-Graphics-23.png","keywords":["business insurance","worker's compensation"],"articleSection":["Business"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/person\/3c93d517b3dc6f46a24aaad73d1c5b66","name":"Jennifer Phillips","description":"Jen is a freelance writer who writes about insurance topics including home, auto, and life insurance and insurance carriers. She provides insights about insurance to help customers make informed decisions about their insurance.","url":"https:\/\/www.rate.com\/insurance\/resources\/author\/jennifer-phillips\/"}]}},"_links":{"self":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/posts\/12648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/comments?post=12648"}],"version-history":[{"count":0,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/posts\/12648\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/media\/12649"}],"wp:attachment":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/media?parent=12648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/categories?post=12648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/tags?post=12648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}